Guild Holdings Company

Guild Holdings Company

GHLD·NYSE

$20.01

+0.0000%
Financial ServicesFinancial - Mortgages

Guild Holdings Company, a mortgage company, originates, sells, and services residential mortgage loans in the United States. The company operates approximately 260 branches with licenses in 49 states. It originates residential mortgages through retail and correspondent channels. The company was incorporated in 1960 and is headquartered in San Diego, California.

At a Glance

Live Snapshot
Market Cap$1.25B
EPS1.5800
P/E Ratio12.66
Earnings Date03/05/2026

Intrinsic Alpha Methodology

Thesis Lenses

Signal · Driver · Risk

Signal

High confidence

Valuation multiple is compressed (P/E 12.7).

Valuation inputs: P/E 12.7, earnings yield +7.9%, momentum 0.0%.

If multiples stay elevated while momentum fades, downside repricing risk rises.

Driver

High confidence

Return profile is strong (ROE +7.8%, ROIC +42.9%).

Profitability stack: net margin +8.3%, ROE +7.8%, ROIC +42.9%.

Quality deterioration often appears in margins before it shows up in headline EPS.

Risk

High confidence

Risk profile is balanced but has notable pressure points to monitor.

Risk factors: liabilities/assets +73.7%, momentum 0.0%, net margin +8.3%.

Higher leverage with weak momentum and thin margins can amplify drawdown severity.

ghld

Guild Holdings Company Market vs Earnings Trajectory

GHLD · NYSE

Loading price and EPS data...

Guild Holdings Company

Guild Holdings Company Fair Value Envelope

GHLD · NYSE

Our analysis suggests that GHLD has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $20.01, this represents a potential HIDDEN relative to our calculated worth for Guild Holdings Company.

Intrinsic Value
Current Price: $20.01
3Y-66.0%
5Y+1599.0%
10Y+30.0%
3Y-29.0%
5Y+50.0%
10Y+131.0%
3Y-66.0%
5Y+1642.0%
10Y+32.0%
3Y-197.0%
5Y+55.0%
10Y+1977.0%
3Y-199.0%
5Y+56.0%
10Y+1640.0%
3Y+9.0%
5Y+83.0%
10Y+134.0%
Guild Holdings Company

Guild Holdings Company Profit Bridge

GHLD · NYSE
Revenue1.17B
Cost of Goods Sold (109.84M)
Gross Profit1.06B
Operating Expenses (945.82M)
Operating Income119.06M
Interest Expense (109.84M)
Other Income/Expense0.00
Pretax Income119.06M
Income Tax (22.12M)
Net Income97.13M
Net Income
97.13M

Profitability Analysis

Gross Margin

90.6%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

10.1%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

8.3%

Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.

Effective Tax Rate

18.6%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.

81.72%
Gross Profit Margin
-18%
3Y-16.0%
5Y-16.0%
10Y-17.0%
20.38%
Operating Profit Margin
526%
3Y-30.0%
5Y+1366.0%
10Y-28.0%
8.27%
Net Profit Margin
-253%
3Y-55.0%
5Y+522.0%
10Y-43.0%
7.75%
Return on Equity
-335%
3Y-75.0%
5Y+464.0%
10Y-53.0%
2.04%
Return on Assets
-292%
3Y-69.0%
5Y+852.0%
10Y-43.0%
42.90%
Return on Invested Capital
4446%
3Y+125.0%
5Y+4483.0%
10Y+702.0%
GHLD

Guild Holdings Company Cash Conversion Engine

GHLD · NYSE
Net Income96.93M
Depreciation & Amortization37.78M
Stock-Based Compensation9.70M
Change in Working Capital-247.83M
Others-556.23M
Capital Expenditures-9.37M
Free Cash Flow-668.99M

Cash Flow Quality Analysis

FCF Conversion Rate

-690.2%

Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.

CapEx Intensity

-1.4%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-588.0%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

-$247.83M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Cash flow concerns: Despite profitability, the company is burning cash. Review working capital management, CapEx levels, and sustainability of current operations.

ghld

Guild Holdings Company Funding & Solvency Profile

GHLD · NYSE
Cash & Cash Equivalents106.40M
Net Receivables76.48M
Inventory0.00
Other Current Assets-76.48M
Total Current Assets106 M
Property, Plant & Equipment79.84M
Goodwill & Intangible Assets219.31M
Long-Term Investments0.00
Other Non-Current Assets0.00
Total Non-Current Assets80 M
Total Assets
5.10B

Financial Health Analysis

Current Ratio

0.12x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

3.12x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-810303000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

2% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

ghld

Guild Holdings Company Street Expectations Map

GHLD · NYSE

Wall Street analysts project that GHLD stock may decline over the coming 12 months. The consensus 1-year price target stands at 17.63, with estimates ranging from a low of 15.50 to a high of 19.00.

Lowest Target
15.50
-22.54%
Consensus Target
17.63
-11.89%
Highest Target
19.00
-5.05%

The consensus 1-year price target stands at 17.63, with estimates ranging from a low of 15.50 to a high of 19.00.

Analyst Consensus Analysis

Upside Potential

-11.9%

Downside risk. Current price above analyst targets indicates potential overvaluation. Exercise caution and review catalysts.

Analyst Agreement

19.9% spread

High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.

Risk-Reward Profile

0.22x

Unfavorable risk-reward. Downside risk exceeds upside potential. Consider defensive positioning or alternative opportunities.

Analyst Conviction

Low

Bearish or uncertain outlook. Limited upside or poor consensus suggests challenges ahead or fundamental concerns.

Market Sentiment Insight

Consensus overvaluation: Analysts agree the stock is richly valued with limited upside. Consider booking profits or defensive positioning unless you have contrarian conviction in unrecognized catalysts.

ghld

Guild Holdings Company Insider Positioning

GHLD · NYSE

During the last 12 months, insiders have sold $163K worth of GHLD shares, with no buying activity reported.

3 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

3-6 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

6-9 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

9-12 Months

Bought

0

0.00

Sold

8.3K

163.21K

Net Activity

-163K

-$163K

Top Buyers

No buying activity

Top Sellers

1
STL

Schmidt Terry Lynn

Director, 10 Percent Owner, Officer: Ceo

6.4K shares1 transactions

$127K

2
NDM

Neylan David Manuel

Officer: President And Coo

1.8K shares1 transactions

$35K

3
MSEL

Mcgarry Strategic Enterprises, Llc

10 Percent Owner

100 shares1 transactions

$2K

Insider Activity Analysis

Net Insider Sentiment

Bearish

Strong bearish signal with $163K net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.

Buy/Sell Ratio

0.00:1

Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.

Insider Participation

High Selling

3 insider sellers vs. 0 buyers. Widespread selling across multiple insiders may signal concerns.

2.50%
Dividend Yield
3Y-
5Y-
10Y+125.0%
 

ghld Dividend History

GHLD
10Y CAGR 13%
Latest $0.25
Annual $0.75
Dividend decline trend
Last Period: 50%